Annuity X will pay you RM10,000 at the beginning of the year for each of the next 10 years. Annuity Y will pay you RM8,000 at the end of the year for each of the next 15 years. Assuming the interest rate is 5% per annum for both annuities, which of the following is TRUE? (Round to the nearest figures) Select one: a. The present value of Annuity Y is greater than Annuity X. b. The present value of Annuity X is greater than Annuity Y. c. The present value of both Annuity X and Annuity Y is the same. d. The present value of both Annuity Y and Annuity X is unknown.